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AMEX question!

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corymcd88
Valued Contributor
‎01-24-2012 08:58 PM
‎01-24-2012 08:58 PM

AMEX question!

I was talking to AMEX to night and they say that you can transfer any AMEX account that you have an authorized user on and they will be no credit check and you would keep the CL. Does anyone know if that is true? A AMEX rep told me that they can do that.

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mmduluth
Frequent Contributor
‎01-24-2012 09:01 PM
‎01-24-2012 09:01 PM

Re: AMEX question!

Wow. I really doubt that. Especially amex. They are the only CCC I've ever known to deny an authorized user before. 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
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corymcd88
Valued Contributor
‎01-24-2012 09:03 PM
‎01-24-2012 09:03 PM

Re: AMEX question!

@mmduluth wrote:

Wow. I really doubt that. Especially amex. They are the only CCC I've ever known to deny an authorized user before. 

That is what a rep told me after you have 6 to 12 mounts of history.

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mmduluth
Frequent Contributor
‎01-24-2012 09:07 PM
‎01-24-2012 09:07 PM

Re: AMEX question!

Sometimes I think that reps get bored with their jobs (I know I would) and they start to play mind games with the callers. lol! some of the stuff they say is just crazy. I'm not saying it's not possible because I have never had an AU or had a reason to call Amex, but I find it highly unlikely.

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
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anderl
Frequent Contributor
‎01-24-2012 09:24 PM
‎01-24-2012 09:24 PM

Re: AMEX question!

No. There is no transferring of accounts w/Amex. One must apply, have their Credit Report pulled, and receive a Hard Pull/Inquiry to be considered for a Charge and/or Credit Card account.

Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(7.5K CL); Lowes(2.5K CL);Barclays Mile & More Lufthansa 12.5K.
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Uncle_Money
Established Contributor
‎01-24-2012 09:56 PM
‎01-24-2012 09:56 PM

Re: AMEX question!

+1

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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Creditaddict
Legendary Contributor
‎01-24-2012 10:30 PM
‎01-24-2012 10:30 PM

Re: AMEX question!

If someone had the nerve to make a statement like that, I would:

1. First ask if they truley believe that?

2. If they do, I would then ask to speak to a supervisor! LOL

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Ron1
Super Contributor
‎01-24-2012 10:33 PM
‎01-24-2012 10:33 PM

Re: AMEX question!

I never heard of it. I hope it would be that easy. NOT Amex.

 

 

Ron.

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SoulMaster
Established Contributor
‎01-24-2012 10:33 PM
‎01-24-2012 10:33 PM

Re: AMEX question!

@anderl wrote:

No. There is no transferring of accounts w/Amex. One must apply, have their Credit Report pulled, and receive a Hard Pull/Inquiry to be considered for a Charge and/or Credit Card account.

+1.  Plus there are not "Authorized Users" with Amex... only "Additional Cardmembers".

 

-SM

 

That sounds a little like "There is no Dana, there is only Zeul", so it made me smile.  Greatest comedy ever.

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.
Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
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